typically most lenders will qualify you on three things, income, credit and assets. Your income is only one factor, the credit is a picture of how you have paid your debts and obligations in the past. Most lenders will not loan below a score of 620, however, you can find lenders who will go down as far as 580, on FHA loans. I work for a large direct lender in CA, and we loan in all 50 states, however, I am not personally licensed in ME. if you would like a free analysis of our programs, and perhaps some tips on improving your scores, please call LoanDepot at 888-300-3376, and ask to be prequalified by a licensed mortgage banker for your state.
There are some excellent resources you can refer to , to assist you with your credit scores and understanding how to improve them. try looking at www.myfico.com in the education section, or, if you have a book store, check the section on Finance and you may find some excellent resources there on credit and improving your scores.